Following the principle of regional differences in risk and similarity within districts,according to county(city)historical data of citrus yield risk and insurance,based on the relative integrity of the administrative region,using factor analysis method,this paper first zoned the risk,then using normal distribution,Gamma distribution and Weibull distribution parameter model,this paper fit the citrus yield insurance premium rate in20counties of southern Hunan province,and at last the paper made final modification for the premium rate.The results show that:The premium pure rate of citrus area yi...